TFS Financial Corporation (TFSL)

NEUTRAL

Financial ServicesBanks - RegionalUnited States

Fundamental

Kurs

$17.80

Marktkapitalisierung

$4.99B

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Teil 1 · Was das Unternehmen wert ist

Übersicht

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

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Bilanz & Liquidität

Umsatz

$344M

Letzte 12 Monate (bis 30.6.2026)

Nettogewinn

$102M

Letzte 12 Monate (bis 30.6.2026)

Freier Cashflow

$71M

Gesamtes Eigenkapital

$1.89B

Gesamtverbindlichkeiten

$15.56B

Current Ratio

Zinsdeckungsgrad

0.41

Schulden/EBITDA

Gewinn je Aktie

Umsatz & Nettogewinn

Freier Cashflow

Ertragsaufschlüsselung

Historische Aufstellung

Margen im Zeitverlauf

Verschuldung im Zeitverlauf

Wachstumsraster

Wachstum — Umsatz

Innerer-Wert-Schätzung

BankÜberbewertet

Innerer Wert

$10.14

Aktueller Kurs

$17.80

Sicherheitsmarge

-75.5%

Innerer-Wert-Spanne

$6.59 - $13.69

Bewertungsmethoden

Analyst price target:$19.00

Discounted cash flow (DCF):Not applicable to this type of company

Earnings multiple (P/E):$17.86

Graham growth formula:Not applicable to this type of company

Earnings power value (EPV):Not applicable to this type of company

Justified P/B:$3.14

Dividend discount (Gordon):$3.14

P/FFO, funds from operations:Not applicable to this type of company

Mid-cycle earnings:Not applicable to this type of company

Revenue multiple:Not applicable to this type of company

Analystenkonsens:Verkaufen (0B / 4H / 3S)

Letzte Gewinnüberraschung:+34.80%

Bewertungskennzahlen

P/E-Verhältnis

49.03

ROE

4.8%

P/B-Verhältnis

2.53

P/FCF

57.37

Bruttomarge

ROIC

Rentabilitäts-Radar

Value Creation (Economic Moat)

ROIC

WACC

6.0%

ROIC − WACC

Fundamentalanalyse-Kriterien

Bestanden (13)

EPS shows upward trend
EPS CAGR 12.30%
P/B Ratio 2.53
Operating Margin 37.7%
Positive Free Cash Flow
CapEx intensity
Low reliance on intangibles
Revenue Growth 5Y 6.7%
Earnings Surprise avg 10.0%
Earnings Quality (OCF/NI) 0.96
Share Dilution 0.0%
Net Margin Trend 29.7% vs 26.7%
Piotroski F-Score 5/9

Nicht bestanden (10)

Price CAGR -0.76%
P/FCF 57.37
Debt/Equity ratio
Interest Coverage
Return on Tangible Assets
Price below Graham Number
DCF valuation (Overvalued)
ROE 4.9%
Analyst Consensus 0% Buy
PEG Ratio 32.27

Nicht verfügbar (5)

ROIC NaN%
Gross Margin NaN%
Dividend Payout NaN%
Current Ratio
Debt/EBITDA

Piotroski F-Score

5/9

Gemischte Signale: Einige Bereiche bedürfen Aufmerksamkeit

score

criteria

Gewinnqualität

0.96

Mittel: Gewisse Differenz zwischen Gewinn und Cashflow

Aktienverwässerung

0.0%

Aktienrückkäufe. Aktionärsfreundlich

Unternehmensführung

Führungsteam

Name	Position	Alter
Mr. Marc A. Stefanski	Chairman, President & CEO	71
Ms. Meredith S. Weil	CFO, Corporate Secretary & Treasurer	58
Mr. Andrew James Rubino	VP & COO	49
Ms. Cathy W. Zbanek	VP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland	52
Mr. Bradley T. Stefanski	VP & Chief Strategy Officer of Third Federal Savings and Loan	36
Ms. Susanne Noel Miller	Chief Accounting Officer	59
Mr. Timothy W. Mulhern	VP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland	58
Mr. Gavin B. Stefanski	Chief Experience Officer of Third Federal Savings and Loan	36
Ms. Deborah L. Hand	Chief Risk Officer	50
Ms. Sandra M. Long	Chief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland	55

Prüfungsrisiko

Vorstandsrisiko

Vergütungsrisiko

Aktionärsrechterisiko

Teil 2 · Der Preis und der Einstiegszeitpunkt

Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.

Latest News

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